Finance the equipment your business needs to keep moving forward

The right equipment can change what your business is capable of. Whether you’re replacing an essential vehicle, investing in new machinery, upgrading technology, or adding equipment to support your next stage of growth, the way you finance that investment matters.

InBank equipment financing helps businesses across Colorado and New Mexico acquire the assets they need while preserving working capital for the other priorities that keep their business moving.

And because financing decisions are about more than equipment, you’ll work with an experienced InBank business banker who takes the time to understand your business, your goals, and what you’re trying to accomplish.

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Equipment financing built around your business

Equipment financing allows your business to acquire important assets without necessarily absorbing the entire cost upfront. That can help you maintain liquidity while putting the equipment you need to work for your business.

Depending on your business and financing needs, equipment loans may support purchases such as:

  • Commercial vehicles and fleet equipment
  • Manufacturing and production machinery
  • Construction and heavy equipment
  • Technology and computer equipment
  • Specialized equipment for professional businesses
  • Other equipment essential to your operations

Every business is different. An InBank banker can help you evaluate your equipment needs, discuss available financing options, and determine whether a business equipment loan fits within your broader financial strategy.

Equipment financing can be particularly valuable when preserving cash is important. Rather than tying up working capital in a significant equipment purchase, financing may allow your business to continue deploying those funds toward payroll, inventory, expansion, unexpected expenses, or other operating needs.

For businesses looking at additional borrowing needs, explore InBank’s broader business lending solutions.

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Equipment financing or leasing: which is right for your business?

Businesses acquiring equipment often consider whether it makes more sense to finance an asset or lease it.

With equipment financing, the business typically purchases the equipment with borrowed funds and builds ownership in the asset as the loan is repaid. This can make financing an attractive option for equipment you expect to use for an extended period.

Leasing can provide greater flexibility, particularly when equipment may need to be replaced or upgraded more frequently.

There isn’t one answer that works for every business. Your expected use of the equipment, cash flow priorities, business plans, and financial position can all influence the decision.

An InBank business banker can talk through your objectives and help you determine which approach makes sense for your situation.

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Why finance equipment with InBank?

More than financing. A banking relationship built around your business.

You can find equipment financing in a lot of places. But choosing a financing partner isn’t simply about finding a lender.

At InBank, we believe your banker should understand why you’re making the investment.

Maybe new machinery will allow you to increase production. Maybe another vehicle means expanding your service territory. Maybe an aging piece of equipment has become a bottleneck. Or perhaps you’re making an investment today because you see an opportunity for your business tomorrow.

That context matters.

Our business bankers work with companies throughout Colorado and New Mexico to understand their operations, financial needs, and long-term goals. Instead of starting with a rate table or a one-size-fits-all product, we start with a conversation about your business.

And equipment financing doesn’t have to exist in isolation. InBank can help you look at the broader financial picture, from business checking and lending to treasury management solutions designed to help businesses manage cash flow more effectively.

Because when your business is investing for what comes next, your bank should be thinking ahead with you.

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How to get started with an equipment loan

Getting started begins with a conversation.

Tell an InBank business banker what you’re looking to purchase, why your business needs it, and what you hope the investment will accomplish. From there, your banker can help you understand the financing process and the information needed to evaluate your request.

Depending on the transaction, that may include information about:

  • The equipment being purchased
  • Your business and its operations
  • The proposed purchase or vendor
  • Business financial information
  • Your financing needs and objectives

Requirements will vary based on the borrower, equipment, and financing request.

Ready to talk about your next equipment investment?

05/05

Equipment Financing FAQs

  1. 01 What is equipment financing?

    Equipment financing is a type of business financing used to purchase equipment needed to operate or grow a company. Rather than paying the entire purchase price upfront, financing can allow a business to acquire the asset while preserving working capital for other needs.

  2. 02 What types of equipment can I finance?

    Equipment financing may be used for a variety of business assets, including machinery, commercial vehicles, technology, construction equipment, and other specialized equipment. Eligibility depends on the equipment, borrower, and financing request, so an InBank business banker can help determine whether your purchase may qualify.

  3. 03 What is the difference between financing and leasing equipment?

    Financing generally allows a business to purchase an asset and build ownership as the loan is repaid. Leasing can offer greater flexibility when equipment is needed for a specific period or may need to be replaced more frequently. The appropriate option depends on your business, equipment, and financial objectives.

  4. 04 Does InBank offer equipment financing in Colorado and New Mexico?

    Yes. InBank serves businesses throughout Colorado and New Mexico and offers equipment financing through its business lending team.

Put the right equipment—and the right banking relationship—to work

Your equipment helps your business produce, deliver, build, serve, and grow. Your financing should support those goals without losing sight of the rest of your business.

Talk with an InBank business banker about your equipment needs, cash flow priorities, and what comes next for your company.

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Loans and lines of credit are subject to credit approval. Terms and conditions apply. Member FDIC. Equal Housing Lender.

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Small Business Administration (SBA) collateral and documentation requirements are subject to SBA guidelines.

Owner occupied commercial real estate will be determined in underwriting and requires occupancy by the borrower/guarantor. Please note SBA guidelines require at least 51% occupancy to be considered Owner Occupied. Real Estate financing options are subject to approval and product availability is subject to change. For SBA loans, SBA eligibility and restrictions apply.

Small Business Administration (SBA) financing is subject to approval through the SBA 504 and SBA 7(a) programs. Loan terms, collateral and documentation requirements apply. Actual amortization, rate and extension of credit are subject to necessary credit approval. InBank credit standards and documentation requirements apply. Some restrictions may apply.

INTQ Financial, a Division of InBank